Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Pinnacle BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,087Fees | 0.066%Below | 251 | |
2 | Core BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,066Fees | 0.131%Above | 263 | |
3 | Lincoln FSB of NebraskaBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,273Fees | 0.095%Above | 72 | |
4 | CHARTER WEST BANKBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,344Fees | 0.290%Above | 750 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,004Fees | 0.302%Above | 363 | |
6 | Access BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,454Fees | 0.132%Above | 324 | |
7 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Strong | Strong | Strong | $977Fees | 0.101%Below | 134 | |
8 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,199Fees | 0.180%Above | 850 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,666Fees | 0.202%Above | 510 | |
10 | WEST GATE BANKBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $970Fees | 0.130%Below | 429 | |
11 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $911Fees | 0.249%Above | 158 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,806Fees | 0.544%Above | 115 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $887Fees | 0.169%Above | 253 | |
14 | Arbor BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $833Fees | 0.089%Above | 187 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,428Fees | 0.080%Above | 162 | |
16 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,561Fees | 0.288%Above | 131 | |
17 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,247Fees | 0.145%Above | 130 | |
18 | LIBERTY FIRST CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Sound | $1,469Fees | 0.121%Above | 27 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,808Fees | 0.387%Above | 682 | |
20 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,721Fees | 0.396%Above | 141 | |
21 | Cobalt Credit UnionCredit Union | Strong | Exceptional | — | Acceptable | Strong | $556Fees | 0.054%Above | 96 | |
22 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,283Fees | 0.396%Above | 88 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,975Fees | 0.357%Above | 80 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,275Fees | 0.386%Above | 281 | |
25 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,369Fees | 0.270%Above | 216 | |
26 | American National BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,635Fees | 0.315%Above | 184 | |
27 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,922Fees | 0.464%Above | 127 | |
28 | DUNDEE BANKBank | Strong | Sound | Sound | Strong | Exceptional | $2,770Fees | 0.202%Above | 123 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,333Fees | 0.277%Above | 66 | |
30 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,521Fees | 0.382%Above | 59 | |
31 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $31Fees | 0.236%Above | 484 | |
32 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,148Fees | 0.243%Above | 313 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,201Fees | 0.314%Above | 291 | |
34 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,280Fees | 0.350%Above | 285 | |
35 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,135Fees | 0.005%Above | 130 | |
36 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,405Fees | 0.159%Above | 71 | |
37 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,255Fees | 0.331%Above | 59 | |
38 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $570Fees | 0.182%Above | 59 | |
39 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,058Fees | 0.475%Above | 270 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,081Fees | 0.101%Above | 124 | |
41 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $971Fees | 0.223%Above | 28 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,975Fees | 0.238%Above | 27 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,706Fees | 0.566%Above | 224 | |
44 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,288Fees | 0.897%Above | 94 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,896Fees | 0.485%Above | 70 | |
46 | Flanagan State BankBank | Strong | Acceptable | Strong | Strong | Sound | $2,268Fees | 0.566%Above | 35 | |
47 | CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,405Fees | 0.296%Above | 58 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,796Fees | 0.598%Above | 45 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.